# Klarna — Payment Provider

Global BNPL leader offering Pay in 4, Pay Later, and financing options. Serves 150+ million consumers and 500,000+ merchants with smooth checkout experiences.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Buy Now Pay Later
- **Fees:** Merchant fees vary by region (typically 3.29% + $0.30)
- **Fee model:** custom
- **Headquarters:** Stockholm, Sweden
- **Founded:** 2005
- **Settlement time:** 1–3 business days
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** traditional
- **Regions:** europe, north-america, oceania
- **Countries served:** 1 (GLOBAL)
- **Payment methods:** bank_transfer, bnpl, credit_card, debit_card, direct_debit, klarna
- **Features:** enterprise, recurring-payments
- **Platforms:** mobile, online
- **SDKs:** android, ios, java, javascript, node, php, python, rest-api, ruby
- **API docs:** https://docs.klarna.com

## Legal & compliance

Regulated in: Germany, Denmark, France, United Kingdom, Ireland, Italy, Sweden, United States. Map: https://paymentproviders.io/license-map?provider=klarna

Legal entities:
- Klarna Bank AB (publ) — Sweden — LEI 549300O3HXYXXUHR0897 — licenses: Banking License, SE, Finansinspektionen
- Klarna Financial Services UK Limited — United Kingdom — licenses: E-Money Institution, GB, FCA
- Klarna Inc. — United States — licenses: License, US, DFPI (California); Money Transmitter, US, DFPI (California)
- Klarna Group plc — United Kingdom — LEI 636700HER4JIK7GZUN17

4 license numbers and 5 register records (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/klarna#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=klarna&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/klarna

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)